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PENGARUH PEMBIAYAAN MUDHARABAH, MUSYARAKAH, DAN MURABAHAH TERHADAP PEREKONOMIAN DI INDONESIA Murni Rofika; Abdul Hamid; Early Ridho Kismawadi
JIM: Jurnal Ilmiah Mahasiswa Vol 2, No 2 (2020): Oktober 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v2i2.2645

Abstract

Perbankan syariah terus berinovasi dalam berbagai bentuk pembiayaan untuk kegiatan produksi dan konsumsi guna menopang pertumbuhan ekonomi. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan mudharabah, musyarakah, dan murabahah terhadap perekonomian Indonesia Metode analisis data yang digunakan dalam penelitian ini adalah analisis data deskriptif-asosiatif. Jenis datanya adalah data sekunder (time series), yaitu laporan bulanan Statistik Perbankan Syariah yang diterbitkan oleh OJK tahun 2009-2018. Adapun teknik analisis data yang digunakan dalam penelitian ini adalah uji asumsi klasik dan uji hipotesis. Hasil analisis regresi berganda pada pembiayaan mudharabah, musyarakah, dan murabahah terhadap perekonomian Indonesia adalah sebagai berikut: Y'= 14,815 Constant + (1.765) (X1) + (-0,118) (X2) + (-0,010) (X3) + e
Pengaruh Likuiditas dan Solvabilitas terhadap Profitabilitas pada Perusahaan Cosmetics and Household yang terdaftar di Indeks Saham Syariah Indonesia (ISSI) Sri Novianti; Iskandar; Early Ridho Kismawadi
JIM: Jurnal Ilmiah Mahasiswa Vol 3, No 2 (2021): Oktober 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v3i2.3480

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Likuiditas dan Solvabilitas Terhadap Profitabilitas Pada Perusahaan Cosmetic and Household yang Terdaftar di Indeks Saham Syariah Indonesia (ISSI). Penelitian ini menggunakan metode penelitian kuantitatif. Teknik yang digunakan dalam pengambilan sampel yaitu Purposive Sampling. Jenis data yang digunakan dalam penelitian ini adalah sekunder. Teknik analisis yang digunakan dalam penelitian ini adalah analisis uji asumsi klasik, regresi linear berganda dan hipotesis. Hasil secara parsial (Uji T) Pengaruh Cash Ratio (X1) sebesar 0,036 < dari 0,05 , Quick Ratio (X2) sebesar 0,037 < dari 0,05 , Debt To Equity Ratio (X5) sebesar 0,021< dari 0,05 berpengaruh positif dan signifikan terhadap Profitabilitas (ROA). Sedangkan Current Ratio (X3) sebesar 0,127 > dari 0,05 , Debt To Asset Ratio (X4) sebesar 0,541 > dari 0,05 tidak berpengaruh signifikan terhadap Profitabilitas (ROA). Hasil Uji F (Simultan) menunjukkan nilai signifikan sebesar 0,003 < 0,05 artinya Cash Ratio, Quick Ratio, Current Ratio, Debt To Asset Ratio, dan Debt To Equity Ratio secara simultan berpengaruh signifikan terhadap Profitabilitas (ROA) Pada Perusahaan Cosmetic and Household yang Terdaftar di Indeks Saham Syariah Indonesia (ISSI).
Pengaruh Inflasi, Sertifikat Bank Indonesia Syariah dan Nilai Tukar Terhadap Perkembangan Sukuk Di Indonesia Carin Varisa; Early Ridho Kismawadi; Zulfa Eliza
JIM: Jurnal Ilmiah Mahasiswa Vol 3, No 2 (2021): Oktober 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v3i2.3483

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Inflasi, Sertifikat Bank Indonesia Syariah (SBIS) Dan Nilai Tukar Terhadap Perkembangan Sukuk Di Indonesia. Metode yang digunakan dalam penelitian ini adalah analisis regresi berganda. Data yang digunakan dalam bentuk triwulan periode 2015-2020. Hasil penelitian yang didapat adalah: a) Dari uji t didapatkan hasil secara parsial variabel inflasi negatif dan signifikan terhadap perkembangan sukuk di Indonesia, sedangkan variabel Sertifikat Bank Indonesia Syariah berpengaruh positif signifikan terhadap perkembangan sukuk di Indonesia dan variabel Nilai Tukar berpengaruh positif tidak signifikan terhadap nilai sukuk di Indonesia; b) Dari uji F didapati hasil bahwa secara simultan variabel Inflasi, Sertikat Bank Indonesia Syariah dan Nilai Tukar berpengaruh positif dan signifikan terhadap perkembangan sukuk di Indonesia; c) Dari uji Adjusted R square didapatkan hasil bahwa variabel Inflasi, Sertifikat Bank Indonesia Syariah, dan Nilai Tukar memiliki pengaruh sebesar 79,2% terhadap perkembangan sukuk di Indonesia.
Do Islamic Financial Instruments and Inflation Affect Economic Growth in Indonesia? Srie Shailla Meidhany; Early Ridho Kismawadi; Zulkarnaini Zulkarnaini; M. Irvanni Bahri
Journal of Finance and Islamic Banking Vol. 5 No. 1 (2022)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v5i1.4790

Abstract

This research aimed to see how sharia stocks, Sukuk, sharia mutual funds, and inflation affected economic development. This is a quantitative analysis based on secondary data from 2012 to 2019. Multiple linear regression equations, t-test, F test, and coefficient of determination are examples of data analysis methods (R2). According to the multiple linear regression equation test findings, sharia stocks, Sukuk, and sharia mutual funds have a favorable impact on Indonesian economic development, but inflation has a negative effect. The findings of the t-test show that sharia stocks and inflation have a considerable impact on Indonesian economic development, but Sukuk and sharia mutual funds have no such impact. The F test findings reveal that sharia equities, Sukuk, sharia mutual funds, and inflation have a major impact on Indonesian economic development. The coefficient of determination (R2) test findings show that sharia equities, Sukuk, sharia mutual funds, and inflation may all be used to explain economic development..
PENGARUH RASIO KEUANGAN TERHADAP NON PERFORMING FINANCING PADA PT. BANK SYARIAH MANDIRI INDONESIA Sheyla Nurhaliza; Early Ridho Kismawadi; Abdul Hamid
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 6, No 2 (2018)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v6i2.1136

Abstract

Pembiayaan bermasalah menjadi salah satu ukuran atas kinerja  fungsi bank, karena rasio NPF yang tinggi adalah indikator kegagalan bank dalam mengelola bisnis. Penelitian ini bertujuan untuk menguji dan menganalisis bagaimanakah pengaruh Rasio Keuangan terhadap Non Performing Financing pada PT. Bank Syariah Mandiri Indonesia?. Variabel independent yang digunakan dalam penelitian ini yaitu rasio CAR. FDR, ROA, ROE, BOPO, dan NIM. Variabel dependen yang digunakan dalam penelitian ini adalah rasioNPF. Penelitian ini menggunakan data sekunder, berupa Laporan Keuangan bank yang dipublikasikan yang didapatkan dari website Bank Indonesia. Laporan keuangan bank yang digunakan adalah laporan keuangan triwulan pada PT.  Bank Syariah Mandiri Indonesia.  Metode analisis yang digunakan adalah analisis regresi linear berganda.  Hasil dari penelitian ini menunjukkan bahwa variabel CAR, ROA,danNIM berpengaruh negatif dan tidak signifikan. Sedangkan variabel ROE berpengaruh negatif dan signifikan terhadap NPF. Variabel FDR berpengaruh positif signifikan terhadap NPF, dan variabel BOPO berpengaruh positif tidak signifikan terhadap NPF. Sedangkan nilai R Square sebesar 0,859,   yang menunjukkan besarnya pengaruh variabel independen terhadap variabel dependen yang dapat diterangkan oleh model persamaan adalah sebesar 85,9% dan sisanya 14,1% dipengaruhi oleh faktor lain.
Interaksi Bank Syariah dan Variabel Makroekonomi dalam Mendorong Pertumbuhan Ekonomi di Negara Berkembang Kismawadi, Early Ridho
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i1.7055

Abstract

This study aims to examine the empirical impact of the Islamic banking sector, inflation rate, and currency exchange rate on the economic growth of Saudi Arabia, United Arab Emirates, Kuwait, Malaysia, Qatar, Bahrain, and Bangladesh from 2014 to 2022. For the purpose of further investigation, a total of 717 observations were selected according to certain criteria. The sample consisted of 24 banks from seven countries that have the highest aggregate assets on a global scale. Data is collected quarterly. This research approach is quantitative research using the Vector Error Correction Model as an analysis technique. Long-term analysis is tested using cointegration analysis. Impulse response function (IRF) and variance decomposition (VD) techniques were used in this study to show how each macroeconomic variable shock affects the short-term dynamic path of all system variables. The results of the study found that the shock of the majority of research variables was responded positively by GDP except for inflation which in the initial period of the shock was responded negatively by GDP. The results of the Variance Decomposition GDP analysis can be explained that in the initial period GDP variance was formed sequentially from the exchange rate variance, inflation, Total Assets of Islamic Banks, Total Assets of Islamic Banks, and the contribution of Islamic bank assets continued to increase during the observation period.
FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBAYARAN NON TUNAI PADA E-COMMERCE Hadi, T Saiful; Kismawadi, Early Ridho; Chalil, Rifyal Dahlawy; Bahri, M Irvani
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 11 No. 2: Juni 2022
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v11i2.6036

Abstract

This study aims to determine the effect of consumer knowledge, the ease and features of the service on the decision to use. A total of 100 respondents were involved in this study using purposive sampling technique. Respondents were selected based on the criteria, namely, e-commerce users at least 5 times who used Shopee, Tokopedia and Lazada in the past year. Multiple Linear Regression Analysis was used in this study as a method to analyze data using SPSS 16.0 (Statistical Package for Social Science) software. The results of this study indicate that: (1) Consumer knowledge has a positive and significant effect on decisions to use non-cash payments in e-commerce, indicated by the value of the income coefficient (X1) which is positive, namely 2.507 and the p-value is less than the significance level (0.014 < 0.05). (2) Ease has a positive and significant effect on the decision to use non-cash payments in e-commerce, indicated by the value of the convenience coefficient (X2) which is positive, namely 3.023 and the p-value is less than the significance level (0.003 < 0.05). (3) Service features have a positive and significant effect on the decision to use non-cash payments in e-commerce, as indicated by the service feature coefficient value (X3) which is positive, namely 3.409 and the p-value is less than the significance level (0.001 < 0.05). And the coefficient of determination (R2) is 0.341 or 34.1%. This value indicates that 34.1% of usage decisions are influenced by consumer knowledge, convenience and service features, while the remaining 65.9% is influenced by independent variables that are not examined.
Akuntan Syariah Di Era Modern, Urgent Kah Di Indonesia? Al Muddatstsir, Uun Dwi; Kismawadi, Early Ridho
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 1 No 1 (2017): Vol 1 No 1 September 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v1i1.675

Abstract

An accountant is responsible for serving Allah, society, profession, employer and customers, in performing the duties and services of profession diligently and correctly. Serving God through the work based on sharia, however, is the first priority. The Muslim community in Indonesia should be a model for the rise of a sharia-based system of work. Accountant sharia is the answer of all forms of work in the field of accounting that could respond to the challenges of the modern era. This is because it is appropriate with the rules that are taught in accordance with the beliefs of Moslem as the majority of people in Indonesia.
PENGARUH RASIO KEUANGAN TERHADAP PEMBIAYAAN MURABAHAH DI BANK PEMBIAYAAN RAKYAT SYARIAH ADECO LANGSA TAHUN 2013-2016 Siagian, Yupin Kirana; Budiman, Iskandar; Kismawadi, Early Ridho
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 1 No 1 (2017): Vol 1 No 1 September 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v1i1.678

Abstract

The independent variables in this study are deposits and financial ratios ofsharia banks which consist of NPF and FDR ratios. This study aims todetermine and analyze the effect of DPK, NPF and FDR on Murabahahfinancing in the SRB. This study used secondary data, which is the form ofpublished Financial Statements of banks obtained from the website of BankIndonesia. The bank's financial report used is quarterly financial report atAdeco Langsa Syariah Adequacy Bank. The data were then analysed by usingthe classical assumption method using multiple linear regression analysis,determination coefficient, F test or simultaneous test and t test or partial test.Hypothesis in this research is DPK, and financial ratio of NPF and ROE bankpartially has significant effect to Murabahah financing, while simultaneouslyfrom the three variables have a significant effect on the provision of financing.The method used in this study is multiple regressions. The results of this studyindicated that DPK and FDR variables have no significant effect on murabahahfinancing, while NPF affects.
PERSEPSI MASYARAKAT TENTANG AKAN DI KONVERSIKANNYA BANK KONVENSIONAL KE BANK SYARIAH DI ACEH STUDI KASUS DI KOTA LANGSA Kismawadi, Early Ridho; Al Muddatstsir, Uun Dwi
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 2 No 2 (2018): Vol 2 No 2 Desember 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v2i2.707

Abstract

This study aims to determine the public perception in the city of Langsa about Aceh Qanun related to Aceh provincial Qanun No. 8 0f 2014 concerning in the principles of Islamic Law and Qanun No. 8 of 2016 concerning the Halal Product Guarantee System which requires banks to operate in Aceh to be based on sharia principles. The method used in the study is qualitative descriptive. The results of this study the community is very supportive for the enactment of these regulations, but the public hopes that islamic banks operating in the province of Aceh must provide the same facilities as conventional banks which are currently very good compared to islamic banks in terms of facilities owned.